I have the funds to pull the trigger but it would be with the money I was already saving.

But TX law is different than what I am accustomed to, so it seems that filing that quitclaim would trigger the due on sale clause of our loan, which I do NOT want.  

What triggered the change order?

I have listened to Podcasts, participated in Webinars, watched YouTube videos, read books, ran the calculators - from BRRRR to wholesaling to short-term rentals and more, but I have never pulled the trigger.

While private money isn't highly regulated at the federal level, there are subtle nuances to be aware of in each state that may trigger your loan becoming a security and then the SEC would have regulations to consider.

I understand that I must get a confirmation (or concurrence) from lender that I'll be transferring my personally owned property to an LLC so that it won't trigger a due-on-sale clause when the transferability happen.

Ok, so if the LLC is doing the purchasing and you are not transferring (triggers a due on sale clause in most non-commercial loans) then you should be OK.Regarding the name vs LLC.

@Max Filho have you pulled the trigger yet?

However, there is also a realistic possibility that waiting can trigger another factor that works against you.

I think the sale triggers a change from passive to active and it can be used to either lower basis or offset capital gains/depreciation recapture and if any is left your ordinary income.